Nikhil Bothra

Responsibilities: 

1. Framing risk policies for all the credit products along with the delegation matrices.

2. Automation of the Capital Float product in accordance with the credit policy. Driving the policy and product adoption and adherence. This involves working closely with the Product and Decision Sciences teams on a daily basis. 

3. Portfolio management - closely monitoring and reporting the key portfolio trends on a regular basis. 

4. Engaging with P2P lending partners to present and explain the Capital Float product, policy and process. Facilitation of the underwriting and operations processes in real-time during the brief initial period after on-boarding.

5. Compiling, editing and production of training modules for the Credit and Sales teams.

6. Production of dashboards for the Credit team for consumption at Pan India level. Presentation of monthly portfolio reviews with senior management team and co-founders.

Responsibilities: 

1. Underwriting multiple unsecured products like term loans, supply chain financing, loans against card receivables, micro financing products.

2. Maintaining the quality of the portfolio. 

3. Decision-making within the defined TAT.

Responsibilities: 

1. Assessment of credit proposals for unsecured term loans & overdraft limits and their underwriting – meeting clients in Business Discussion visits at their business premises – preparing recommendation proposals – policy adherence.

2. Detailed interactions with the clients in relation to underwriting and disbursal of the facilities.

3. Handled the hindsighting audit queries related to the processes, documentation, policies, sign-off, etc. – interacting with the internal audit team to resolve such issues – interacting with the Policy & Product team on associated issues and development. Also, close interactions conducted with the central Legal & Compliance teams. Designed and implemented processes and escalation framework to counter associated risks.

4. Interact with retail asset credit/ collection managers – submission of reports to zonal managers periodically.

5. Managing TAT – Delinquency tracking and management – monitoring of the portfolio – assisting collections team.

6. Close interactions with the Credit Risk team and Financial Crime Prevention teams – in relation to daily business.

7. Ensuring proper checks in consonance with AML & KYC norms – engaging best practices into the environment.

8. Understanding system processes and managing system infrastructure

9. Extensive training to internal & external stakeholders – vendor management – making presentations on policy. Regular floor training to subordinates, thus helping in transition from one product to another.

10. Engaging meaningfully in the activity cross-selling the bank’s products on the basis of client’s needs.

11. Managing a network of external agencies for local inputs/ reference checks for customer background verification.